What fraud-prevention tools does Cashflows use?

Cashflows uses a range of checks and controls to help merchants identify and reduce potentially fraudulent payments. These may include:

• Address Verification Service (AVS).
• Card security-code checks.
• 3-D Secure (3DS).
• Country-blocking controls.

Address Verification Service (AVS)

AVS compares the billing-address information supplied by the shopper with information held by the card issuer. The issuer returns a response showing whether the available address details matched.

AVS availability and response detail can vary by issuer, country and transaction type. A match does not guarantee that a payment is genuine, and a mismatch does not always mean that the payment is fraudulent.

Card security-code checks

The card security code may be checked separately from AVS. The issuer returns a response indicating whether the code matched. Merchants should consider this result together with the other payment and fraud indicators available to them.

3-D Secure checks

3-D Secure is an authentication framework for online card payments. It can help the card issuer assess the payment and, when required, ask the cardholder to complete additional authentication. It also supports Strong Customer Authentication requirements where applicable.

Supported versions and authentication behaviour can change. Refer to the current Cashflows 3-D Secure and Strong Customer Authentication guidance for the latest information.

Country-blocking controls

Country-blocking controls can be used to restrict payments linked to selected countries. Depending on the current Cashflows configuration, controls may be applied at system, business or merchant-profile level.